Carriers that do not ask about tobacco use.

A client who says they are pre-diabetic and had a stroke 10 years ago.

In these states, UHC will decline a client instead of rating them up to level 2 for certain health conditions.

These are two common drugs used to treat Rheumatoid Arthritis, and are HKO with most carriers.

This carrier is most lenient with blood thinners, commonly used to treat A-fib.

The only carrier that will accept a client with COPD.

A client who had a procedure done for a carcinoma last week and has no follow ups

These states are 2 applicants always for household discounts.

These common treatments for COPD are declinable with all carriers.

This state requires a 7 year lookback on all health questions.

This company declines (or rates up, if applicable) for diabetes + tobacco use

A client who has to use a cane when out and about, like at the grocery store, or when she takes her grand kids to the zoo.

The state that has an annual Open Enrollment period where clients can switch like to like or like to lesser every year on their birthday (and 30 days after).

This medication can be used to treat serious health concerns such as diabetic neuropathy, but can also be used to treat harmless concerns like Restless Leg Syndrome.

These states only offer dental coverage with Aetna. (No vision or hearing)

Carriers that do not follow the 2x2x2 rule (or stricter guidelines).

A client who says "I went to the hospital last year and my doctor said I was in a-fib, but I haven't had any issues since he put me on a pill."

These states have no excess charges, important to note when pitching Plan N in these states.

Aricept, Razadyne, and Namenda are declinable drugs for what type of condition?

Percocet, Hydrocodone, Fentanyl, and Tramadol are all types of what category of declinable drugs?

Carriers that will decline a client who started seeing a psychiatrist monthly a year ago.

A client who is is diabetic and takes 2 meds for his heart, 1 for his diabetes, and 1 for his feet.

These states offer combination Cancer, Heart Attack & Stroke policies with Aetna.

A client taking lisinopril, gabapentin, and alendronate has no health concerns except for a fractured wrist last year. This is the UW rule that will tell us she is ____. (HKO/Good to Go)

Eliquis, Xarelto, and Warfarin are all this type of drug commonly the cause of a client being HKO?